finance cost in the second quarter was 8% of total revenues. The average funding cost in the second quarter of FY2022 was at 2.57% Net Profit For the first half of FY2022, consolidated operating income was
, increasing by 10.0% q-q. Net Profit For the fiscal year of 2022, consolidated operating income was reported at 3,815 million baht, an increase 262 million baht or 7.4% y-y or earning per share of 15.26 baht
% 51.4% 58.9% Remark: * EBITDA = Earnings before Interest, Taxes, Depreciation and Amortization - Non-operating income / (expense) ** Normalized net profit = Net profit – Unrealized gain / (loss) from FX
397.6 426.7 (29.1) (6.8) Other operating incomes 8.2 5.7 2.5 43.9 Operating income 2,032.4 1,776.7 255.7 14.4 Other operating expenses 703.7 731.4 (27.7) (3.8) Expected credit losses 294.6 100.0 194.6
) 397.6 (75.1) (18.9) Other operating incomes 10.8 5.3 5.5 103.8 8.2 2.6 31.7 Operating income 1,827.7 1,779.8 47.9 2.7 2,032.4 (204.7) (10.1) Other operating expenses 775.5 897.9 (122.4) (13.6) 703.7 71.8
parent 63.6% 60.0% 63.0% 58.9% 61.2% Remark: * EBITDA = Earnings before interest, taxes, depreciation and amortization - non-operating income / (expense) ** Normalized net profit = Net profit – unrealized
could be attributed to a decrease of Baht 221 million, or 2.08 percent in impairment loss on loans and debt securities and an increase of Baht 835 million, or 2.13 percent in net operating income which
increase of Baht 1,796 million or 4.63 percent in net total operating income. Meanwhile, other operating expenses increased Baht 686 million, or 4.29 percent. However, the growth in expenses was less
purchased; (iv) gain on properties for sale; (v) gain on installment sales; and (vi) other operating income less total interest income and further divided by the sum of (i) – (vi). 3 Operating profit margin
% 8.6% 7.7% 8.4% 10.4% % NNP - Owner of the parent 61.3% 61.3% 56.8% 63.0% 58.4% Remark: * EBITDA = Earnings before Interest, Taxes, Depreciation and Amortization - Non-operating income / (expense